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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
Your Local CrossCountry Mortgage Loan Officer
John Allen
- Loan Officer
- Wilmington, DE Mortgage Loan Officer
- NMLS # 2794409
I’ll be with you every step of the way
Hello! I’m John Allen, a loan officer at the Wilmington, DE branch of America’s #1 Retail Mortgage Lender. I joined the mortgage industry because I understand how important homeownership is for peace of mind, financial security, and building a future for your family. For me, helping clients navigate this process isn’t just a job — it’s a mission.
I bring the same focus and commitment I learned in the Military to guide every client through one of the most important financial decisions of their lives. A loan isn’t just a transaction; it’s a tool to help you build security and a future for your family. I’ll walk you through the loan process step-by-step using clear explanations and real-world experience, so you can feel confident from application to closing and beyond.
Outside of work, I love spending time with family and friends and staying active. I train in jiu-jitsu, lift weights, bike, run and get outdoors hiking and backpacking. I enjoy challenges that push me physically and mentally.
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.